Toronto at a glance
- Population: 205 (US Census Bureau, Vintage 2023 subcounty estimate), the 394th-largest of 625 places in Kansas.
- 2020 Census base: 205 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about the same as at the 2020 Census (US Census Bureau).
- Rank among Kansas places: 394th largest of 625 (US Census Bureau).
- Size percentile: larger than about 37% of the Census places in Kansas (US Census Bureau).
- Coordinates: 37.7985 latitude, -95.9498 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Yates Center, KS (12 mi); Buffalo, KS (15 mi); Eureka, KS (19 mi); Fredonia, KS (20 mi); Gridley, KS (21 mi) (US Census Bureau).
- Nearest smaller communities: Coyville, KS (8 mi); Virgil, KS (13 mi); Fall River, KS (14 mi), each a US Census place.
What a personal loan costs in Toronto
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Kansas lending rules that apply in Toronto
Read the table as the compliance picture for a lender serving Toronto: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Kansas Office of the State Bank Commissioner (OSBC) Source says: "The Office of the State Bank Commissioner regulates all state-chartered banks, trust companies, mortgage businesses, supervised lenders, credit service organizations, earned wage access service providers, and money transmitters". | Kansas Office of the State Bank Commissioner as of 2026-09-16 |
| UCCC consumer loan rate caps | 36% on first $860 of unpaid balance; 21% above $860 (closed-end consumer loans) Source says: "36% on the unpaid principal balance which is $860 or less, and 21% on the unpaid principal balance which exceeds $860". | Kansas Office of the State Bank Commissioner as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 15% per annum (general contract-rate ceiling for written instruments) Source says: "may stipulate therein for interest receivable ... at a rate not to exceed 15% per annum unless otherwise specifically authorized by law". | Kansas Office of the Revisor of Statutes as of 2026-09-16 |
| Payday lending status | Permitted under license (payday cash advances of $500 or less; charge capped at 15%) Source says: "a licensed or supervised lender may charge an amount not to exceed 15% of the amount of the cash advance". | Kansas Office of the Revisor of Statutes as of 2026-09-16 |
| Small-loan / installment lender licensing | Supervised lender license required (supervised loans) Source says: "Unless a person is exempt from licensing ... such person shall not engage in the business of: (a) Making supervised loans". | Kansas Office of the Revisor of Statutes as of 2026-09-16 |
How to compare offers in Toronto
The steps below are worth completing first when you borrow in Toronto:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Kansas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.